ScoreWhy is Bank Makramah Ltd. ?
1
With a Negative Book Value, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 7.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of -89.07% signifying inadequate buffers against its risk based assets
2
Negative results in Mar 25
- CREDIT DEPOSIT RATIO(HY) Lowest at 32.67%
- NET SALES(Q) Lowest at PKR 5,932.28
3
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 2%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank Makramah Ltd. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank Makramah Ltd.
-100.0%
1.56
65.08%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.07%
EBIT Growth (5y)
16.52%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
-2.92
EV to EBIT
-18.19
EV to EBITDA
-23.02
EV to Capital Employed
3.88
EV to Sales
3.47
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-21.35%
ROE (Latest)
Negative BV
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
ROCE(HY)
Highest at -1.18%
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at PKR 582.77 MM
OPERATING PROFIT MARGIN(Q)
Highest at 13.26 %
PRE-TAX PROFIT(Q)
Highest at PKR 2,132.56 MM
NET PROFIT(Q)
Highest at PKR 1,546.13 MM
EPS(Q)
Highest at PKR 0.24
-18What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR -23,121.19 MM
ROCE(HY)
Lowest at -1.18%
NET SALES(Q)
Lowest at PKR 4,394.22 MM
Here's what is working for Bank Makramah Ltd.
Pre-Tax Profit
At PKR 2,132.56 MM has Grown at 264.35%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (PKR MM)
Net Profit
At PKR 1,546.13 MM has Grown at 362.43%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (PKR MM)
Non Performing Loans (%)
Lowest at 55.97%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at PKR 582.77 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PKR MM)
Operating Profit Margin
Highest at 13.26 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PKR 2,132.56 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Net Profit
Highest at PKR 1,546.13 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
EPS
Highest at PKR 0.24
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
Here's what is not working for Bank Makramah Ltd.
Net Sales
At PKR 4,394.22 MM has Fallen at -60.21%
Year on Year (YoY)MOJO Watch
Near term sales trend is extremely negative
Net Sales (PKR MM)
Operating Cash Flow
Lowest at PKR -23,121.19 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Net Sales
Lowest at PKR 4,394.22 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
Non Operating Income
Highest at PKR 0.29 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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